Your Unsecured Debt Relief Companion

Are you tired of living paycheck to paycheck, drowning in credit card bills, or struggling with overwhelming loans? OffDebt is a CuraDebt partner—and we’re here to guide you every step of the way. We’ve joined the noble duty of helping Americans get out of unsecured debt with a special focus on you.

Statisics show that the average American household carries over $9,000 in credit card debt. Less than 50% of individuals who enroll in non-profit debt consolidation programs complete them. OffDebt doesn’t offer blanket solutions to everyone, but tailor made debt relief plans and it begins with helping you get a FREE debt relief estimate.

Debt can feel like a heavy chain, but with the right strategies, discipline, and support, you can break free and regain control of your finances. Whether you’re dealing with personal loans, medical bills, or credit card debt, OffDebt will help you create a clear, actionable plan to achieve financial freedom.

Why Choose OffDebt for your Unsecured Debt Relief

At OffDebt, we believe living debt-free isn’t just about having more money—it’s about:
✔ Reducing stress – No more sleepless nights worrying about payments.
✔ Regaining control – Spend on what truly matters instead of paying interest.
✔ Building wealth – Free up money for savings, investments, and future goals.

How We Work

We provide debt relief solutions to people with personal, IRS tax, or State tax unsecured debts amounting to $10,000 and above in partnership with Curadebt. Applicants should be aged 21 years and above and have a source of income. We also provide business debt relief.

You’ll need to complete a short assessment for us to assess your debt situation and see if you qualify. This is a screening process that helps us understand your debt predicament and identify the best debt resolution option for you. 

Step 1: Fill a Short Form

Fill a short form and indicate your state, name, email address and phone number.

Sep 2: A CuraDebt Debt Specialist Will Call You

A CuraDebt Specialist will call you to verify your details.

Step 3: Receive a Free Debt Resolution Estimate

Once you’ve spoken to a debt specialist and you qualify, you’ll be provided with a FREE debt resolution estimate custom-made for you.

Step 4: Approve the Offer and Begin your Debt Free Journey

Once you’ve approved the offer, your journey of becoming debt free commences.

A Tailor-made Unsecured Debt Relief Plan

We Assess Your Debt Situation

Start by listing all your debts—credit cards, loans, medical bills—along with interest rates and minimum payments. Knowing exactly what you owe is the first step to tackling it.

We help you Choose a Debt Repayment Strategy

There are different approaches of getting unsecured debt relief but they cannot be applied to everyone. At OffDebt, we help you choose the best option that is less stressful and is more likely to get you free from debt as soon as possible.

We help you Create a Budget & Cut Expenses

By tracking your spending and identify areas to cut back, we help you identify expenses you need o cut. Even small savings can accelerate debt payoff. For example, reducing dining out & subscriptions, negotiating bills (insurance, phone, etc.), and using cash instead of credit.

We help you Identify Ways to Increase Your Income

We evaluate your current income options and help you reshape your income goals and ultimately boost your debt payments.

We Help you Stay Motivated & Avoid New Debt

Overall, you need to remain motivated and stress free over he course of the unsecured debt relief period. We help you celebrate small victories and milestones and remind you why you started. We help you avoid taking on new debt and over-reliance on credit card by by building an emergency fund.

Debt Freedom Is Possible—Start Today!

Unsecured Debt Relief Options

Through our partner Curabet, you’ll access various debt relief options.

Debt Settlement Program

A debt settlement program is a debt relief strategy where you (or a company on your behalf) negotiate with creditors to pay less than the full amount owed to settle the debt. It’s designed for people struggling with credit card debt, medical bills, personal loans, or other unsecured debts who can’t afford full repayment but can offer a lump-sum payment.

With this option, you’ll deposit funds in a dedicated account over time as our debt experts negotiate with your creditors on your behalf for a reduced debt amount. For example, you could be owing $12,000 but our debt expers negotiate on your behalf and get a 50% reduction so that you only pay $6,000. You’d be given the option to pay in lumpsum or in a structured installment plan.

Benefits of a Debt Settlement Program

• Significant reduction in total debt.
• A single, manageable payment plan.
• Expert handling of creditor calls, allowing you to focus on what matters most.

Debt Negotiation

Debt negotiation is a process where you (or a professional negotiator like CuraDebt) work directly with creditors to lower the total amount you owe on unsecured debts like credit cards, medical bills, or personal loans. The goal is to reach an agreement where the creditor accepts less than the full balance as payment to consider the debt settled.

How Debt Negotiation Works

1. Make Payments – make payments ino a dedicated account as the negotiations proceed.
2. Negotiate a Settlement Offer – You (or a debt relief company) propose a lump-sum payment (often 30%-60% of the balance).
3. Get Agreement in Writing – If accepted, the creditor closes the debt upon payment.

Example:

• Original Debt: $15,000
• Negotiated Settlement: $7,500 (50% reduction)
• You Pay: $7,500 (saving $7,500, but potential tax consequences)

Debt Consolidation Program

A Debt Consolidation Program combines multiple high-interest debts (like credit cards, personal loans, or medical bills) into a single, more manageable payment, typically with a lower interest rate. The goal is to save money on interest, reduce monthly payments, and pay off debt faster—without the credit damage of options like debt settlement or bankruptcy. Here is an example.

Before Consolidation	After Consolidation
Credit Card 1: $5,000 at 24% APR	Consolidation Loan: $15,000 at 10% APR
Credit Card 2: $7,000 at 22% APR	Single Payment: ~$320/month (5-year term)
Personal Loan: $3,000 at 18% APR	Total Interest Paid: ~$4,200 (vs. $9,500 before)

✅ Savings: $5,300+ in interest and lower monthly payments

Tax Debt Relief for IRS and State tax Debt

Unsecured Loan Relief FAQs